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Repayment of Student Loans

All eligibility and awarding is done by the . They can be contacted at (616) 526‑6134. The Financial Services Office does not handle disbursement of financial aid.

Federal Perkins Loan

The Federal Perkins Loan is a low interest loan for students with the greatest financial need and repaid to °ÄÃÅÁùºÏ²Ê¿ª½±¼Ç¼×ÊÁÏ. It is funded by the U.S. Department of Education but is administered by °ÄÃÅÁùºÏ²Ê¿ª½±¼Ç¼×ÊÁÏ. The U.S. Department of Education sets regulations and policies governing this loan fund. Payments made on Perkins Loans are returned to the Perkins fund at °ÄÃÅÁùºÏ²Ê¿ª½±¼Ç¼×ÊÁÏ. °ÄÃÅÁùºÏ²Ê¿ª½±¼Ç¼×ÊÁÏ is in the process of returning these loan funds back to the government and is therefore not issuing any new loans to incoming students.

Graduating or transferring from °ÄÃÅÁùºÏ²Ê¿ª½±¼Ç¼×ÊÁÏ

Before you leave °ÄÃÅÁùºÏ²Ê¿ª½±¼Ç¼×ÊÁÏ, you will need to complete an . This will help you better understand the repayment of your student loan as well as give you additional information concerning your rights and responsibilities as a Perkins Loan recipient. In addition, you will receive individualized information regarding your specific loan.

If you are transferring from °ÄÃÅÁùºÏ²Ê¿ª½±¼Ç¼×ÊÁÏ or do not plan to return, it is your responsibility to let the Perkins Loan officer know. Contact Rana Huisman at (616) 526-6133.

Repayment

The repayment grace period for Federal Perkins Loans is 9 months after graduating or dropping to less than half-time status.

°ÄÃÅÁùºÏ²Ê¿ª½±¼Ç¼×ÊÁÏ is contracted with to handle the billing and initial correspondence for the Perkins Loan. They handle the entire process of billing, answering inquiries, sending and receiving deferment and cancellation forms, and making address changes, etc.

Please send payments made payable to CALVIN UNIVERSITY to:

University Accounting Service
Attn: Payment Processing Department
P.O. Box 5865
Carol Stream, IL 60197-5865

through University Accounting Service.

Visit website for additional information regarding your Perkins Loan.

Deferment/Forbearance/Cancellation

Deferment – a period of time during which payments are postponed. Deferments usually require documentation. There are different types of deferment for which borrowers can apply, such as in-school deferments, graduate or fellowship programs, a rehabilitation training program for individuals with disabilities, unemployment, economic hardship or military service.

Forbearance – an agreement between a borrower and the lender to temporarily postpone payments, extends the timeframe for making monthly payments, or reduces the amount of monthly payments on a short-term basis.

Cancellation – a portion of the loan principal may be cancelled for each full year of service. See benefit forms for specifications.

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